FAQs

Health Insurance Requirement

Yes. As an academic health center Jefferson requires all matriculated students to have health insurance, and to complete the enrollment/waiver process for each academic year.* If you have health insurance through another provider, it must meet the stated minimum requirements to qualify for a waiver. If you do not have coverage through another provider that meets the minimum requirements, then you must enroll in the College-sponsored student health insurance plan. Once enrolled, the plan will be in effect for the entire academic year. You may only terminate the insurance coverage if you have a qualifying life change event.

Yes. Your status as a student is separate from your employment. Jefferson requires all matriculated students to have health insurance, and to complete the enrollment/waiver process for each academic year. If you have health insurance of your own that meets the minimum requirements, you just need to fill out a waiver request. For instructions on how to do so, please visit www.jefferson.edu/studenthealthinsurance

An individual plan purchased through a government exchange or directly through a carrier at the Gold equivalent or Platinum equivalent level of coverage. Gold equivalent level plans will provide minimum coverage of 80% of costs, while Platinum equivalent plans will provide minimum coverage of 90% of costs.

A plan provided via Medicaid or Veterans Affairs.

2. If the plan originates outside of the Philadelphia area; the student must have the ability to access providers in the area of their current residence, without disruption to their academic responsibilities, while attending Thomas Jefferson University.

Please note the following procedures for enrolling or waiving health insurance coverage for the 2017-18 academic year. All enrollments and waivers must be completed using the online process outlined below.

Students that are enrolled in a program that begins in the pre-fall term or summer term will need to complete the insurance requirement for two academic years. When students begin their program in the pre-fall or summer term, they will need to complete an insurance waiver or enrollment for the remainder of the 2016-17 academic year. This waiver or enrollment will be in effect for the months of May, June, July, and August. In July, students will then need to complete the health insurance waiver or enrollment process for the new academic year (2017-18).

Spring Start Students

Students that will be starting their academic program in the spring term (January) will need to complete the insurance requirement for the remainder of the 2016-17 academic year. This waiver or enrollment will be in effect for the months of January through August 2017. Students will then need to complete the health insurance requirement in July for the new academic year (2018-19).

Waivers & Insurance Plans through Other Providers

No. Our office does not maintain a listing of comparable insurance plans. You may opt to waive with any insurance plan that meets the minimum requirements. It is the student’s responsibility to ensure that any plan he/she is considering meets the minimum requirements. If purchasing an individual plan through the government exchange or directly through a carrier, your plan must be at the Gold equivalent or Platinum equivalent level of coverage. Gold equivalent level plans will provide minimum coverage of 80% of costs, while Platinum equivalent plans will provide minimum coverage of 90% of costs. You may wish to discuss your options with an insurance agent.

No. Unfortunately, we are not able to recommend insurance plans to you, nor do we maintain a listing of comparable insurance plans. It is the student’s responsibility to explore and compare health insurance plans and to ensure that any plan they are considering meets the minimum requirements. You may wish to provide your insurance agent with a copy of the minimum requirements by visiting www.jefferson.edu/studenthealthinsurance.

Health insurance companies offer standardized plans which fall into four metal tiers: Bronze, Silver, Gold, and Platinum. In general, Gold plans will provide minimum coverage of 80% of costs, while Platinum plans will provide minimum coverage of 90% of costs.

Some individuals may be eligible to receive subsidized plans through www.healthcare.gov in which you pay a lesser rate for a high level of coverage - for example, you may have a “Silver Plan with cost sharing reduction subsidies” where the benefits are equivalent to a Gold or Platinum plan.

For additional information and questions on plans, benefits, and coverage levels, you are encouraged to speak with a representative from the insurance companies you are considering.

HealthCare.gov is a government website that allows you to do comparison shopping for
health insurance. The website is designed to offer information and transparency about the health insurance market so that consumers can be sure they're getting the best value.

If you are looking for health insurance plans healthcare.gov can help you find specific options quickly and easily. You can preview Marketplace health plans and prices available in your area by using a simple tool on the website which will let you view plans and price estimates. Based upon certain factors, you may also be eligible for a subsidy (discount), which can be determined by visiting that site.

The Health Insurance Marketplace open enrollment for 2018 will take place on healthcare.gov from November 15, 2017 – February 15, 2018.

Yes, you must still complete the waiver process. If your insurance will not be in effect for the entire academic year due to a life change event, you may qualify for a partial waiver during the period that your insurance will cover, and will then have to either obtain a new insurance plan that meets the minimum requirements or enroll in the student health insurance plan for the remainder of the academic year.

Yes. If your insurance will not be in effect for the entire academic year due to a life change event, you may qualify for a partial waiver during the period that your insurance is in effect if your plan meets the minimum requirements. Please note that you cannot have a lapse in coverage. Prior to your insurance plan expiring, you should obtain a new health insurance plan that meets the minimum requirements or enroll in the student insurance plan for the remainder of the academic year. You will need to contact the student health insurance representative for your academic program to provide information on your new plan or to enroll in the student health insurance plan.

Enrollments & Cancellations

All matriculated students that are enrolled at Thomas Jefferson University are eligible to enroll in the student health insurance plan. Eligible students who do enroll may also insure their dependents. For additional information, please visit http://www.firststudent.com/.

Newborn infants will be covered under the policy for the first 31 days after birth. Coverage for such a child will be for injury or sickness, including medically diagnosed congenital defects, birth abnormalities, prematurity and nursery care; benefits will be the same as for the Insurance Person who is the child’s parent.

The Insured will have the right to continue such coverage for the child beyond the first 31 days. To continue the coverage the Insured must, within the 31 days after the child’s birth, contact your student health insurance representative for your academic program with the following information:

If the adopted child is placed with an Insured while that person is covered under this policy, such child will be covered from the moment of placement for the first 31 days. The Insured must notify the Company, in writing, of the adopted child not more than 30 days after placement or adoption.

In the case of a newborn adopted child, coverage begins at the moment of birth if a written agreement to adopt such child has been entered into by the Insured prior to the birth of the child, whether or not the agreement is enforceable. However, coverage will not continue to be provided for an adopted child who is not ultimately placed in the Insured’s residence.

The Insured will have the right to continue such coverage for the child beyond the first 31 days. To continue the coverage the Insured must, within the 31 days after the child’s date of placement, contact your student health insurance representative for your academic program with the following information:

1. The first, middle and last name of the child

2. Gender

3. Date of birth

4. Social Security Number

If the Insured does not use this right as stated here, all coverage as to that child will terminate at the end of the first 31 days after the child’s date of placement.

Yes. Dependent coverage is available for individuals enrolled in the student health insurance plan. You may add dependents to your coverage during your open enrollment period using the enrollment form. After the open enrollment period has passed, you may only add dependents in the following circumstances

Within 31 days of birth (see the “I’m having a baby.” or “I’m adopting a child.” FAQ for additional information)

Within 30 days of a qualifying life change event (see the “What qualifies as a life change event…” FAQ for additional information)

Prior to the coverage period beginning you are able to cancel your enrollment in the student health insurance plan. If you intend to do so, you must contact the student health insurance representative for your academic program. You must also purchase insurance that meets the minimum requirements and complete the waiver process.

After the coverage period has begun, you may only cancel your enrollment in the student health insurance plan if you have a qualifying life change event or change in your enrollment status with the University.

If you have experienced any of the above qualifying life change events and wish to enroll in or cancel your enrollment in the student health insurance plan, you must contact your student health insurance representative AND show proof of coverage within 30 days of the event. If you do not contact your student health insurance representative AND show proof of other coverage within 30 days of the qualifying life change event, you will NOT be eligible to cancel your student health insurance plan.

Cancellations will be effective the date the new coverage begins. Charges will be removed from your student account and/or you will receive a pro-rated refund for the remaining unused coverage period.

While some students with a change of enrollment status with the University wish to keep their health insurance coverage, other students wish to cancel it, the choice is yours.

Should you wish to keep your health insurance coverage, there is no action that you need to take. All enrollments through the student health insurance plan are effective through the end of the academic year.* If your contact information (mailing address, email, etc.) will change, please contact the insurance company directly using the information on the back of your card.

Should you wish to cancel your health insurance, you must take action and submit written notification requesting cancellation. To do so please send an email to your student health insurance representative and include the following in your email:

A statement indicating that you have had a change of enrollment status with the University AND the date that status goes into effect

Note: The student health insurance plan is billed in two installments. The amount billed to the fall invoice is for the period of September 1st - February 28th, while the amount billed to the spring invoice is for the period of March 1st - August 31st.

A statement that you want your student health insurance plan cancelled as of the status date (or effective immediately if the status date has already passed)

Your full name which will serve as your electronic signature

If we receive a written cancellation request from you as indicated above, then your insurance will be cancelled as of the date of your change in enrollment status at the University (or the date when the written cancellation request is received if the date of your change in enrollment status has already passed). Charges will be removed from your student account and/or you will receive a pro-rated refund for the remaining unused coverage period.

You will receive a confirmation from your student health insurance representative that your request has been received and processed. If you do not receive this confirmation, then that indicates that your request was not received. Should we not receive a written statement from you indicating that you wish to cancel your health insurance coverage, your coverage will remain in place per the policy through the end of the academic year* and you will be responsible for the corresponding charges.

No. Dental insurance is not included in the student health insurance plan, however, optional dental insurance is available for matriculated students. Please visit http://www.deltadentalins.com/tju/ for more information.

Yes, but you should visit http://www.firststudent.com/ and view the plan brochure for specific details. Prior to traveling outside the United States you should also contact the Office of International Affairs at oia@jefferson.edu.

Student Health Insurance Plan - Cost & Billing

The student health insurance plan through United HealthCare is a very comprehensive plan with extensive benefits. It is a PPO designed to minimize the out of pockets costs for students and the need for referrals. Additionally, there is not a pre-existing conditions exclusion in the plan.

For annual enrollments, the cost of the insurance will be billed to your student tuition account in two installments – half will be assessed to your fall invoice and half to your spring invoice. For life change enrollments and spring semester or pre-fall/summer semester enrollments, the cost of the insurance will be billed to your student tuition account in one lump sum.

International Students

U.S. federal regulations require you to show proof of funding to support your studies. All I-20 forms are issued based on the student’s ability to pay for the cost of tuition and fees to attend Thomas Jefferson University. The ability to pay must be demonstrated in financial support documentation which includes the cost of required student health insurance. Go to the Student Health Insurance Plan section on this web sir for coverage rates. If you are issued an I-20 form from Thomas Jefferson University then you have confirmed your ability to purchase and enroll in health insurance. You may elect to waive out of the student health insurance plan if your other insurance plan meets the minimum requirements.

If your home country has health insurance coverage options, the company must have a contract office in the United States. If your government is providing full health insurance coverage that is comparable to the U.S. gold or platinum level plans, you will be eligible to complete a waiver.

Yes, international students with valid immigration status may use healthcare.gov to purchase health insurance. However, subsidies are only available for those students who are resident aliens for tax purposes. This is determined by the number of years you have been present in the United States in your status. If you have questions about your tax status please contact the Office of International Affairs at oia@jefferson.edu.

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The Web site for Thomas Jefferson University, its contents and programs, is provided for informational and educational purposes only and is not intended as medical advice nor, is it intended to create any physician-patient relationship. Please remember that this information should not substitute for a visit or a consultation with a healthcare provider. The views or opinions expressed in the resources provided do not necessarily reflect those of Thomas Jefferson University Hospitals, Thomas Jefferson University or their staffs. By using this Web site, you accept these terms of use. Please read our online privacy statement. Please read our our privacy practices.